Q: If my property was sold in Illinois for back property taxes, can I ask for an extension?

A: There is a redemption period for unpaid real estate taxes. Below is from the county clerk website from Madison County:

Contact us

Madison County Clerk

P.O. Box 218

Edwardsville, IL 62025

Call: 618 692-6290

Fax: 618-692 8903

Hours: 8:30 a.m. - 4:30 p.m. Monday - Friday

E-mail: realestateandtax@co.madison.il.us

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Tax Redemption

Both Real Estate & Mobile Homes - Learn what to do if your taxes have been sold

Every year, the Madison County Treasurer holds its annual tax sale to auction off all unpaid taxes for the current year. Any questions on Tax Sale procedures and delinquent property lists should be addressed to the Madison County Treasurer.

If your unpaid taxes have been sold, the Clerk's office can provide you with an Estimate of Redemption, detailing the amount necessary to redeem (pay) your taxes and remove the threat of losing your property.

Redemption can only be made by means of cash, certified funds or money order made payable to the Madison County Clerk. Once the redemption is satisfied a receipt will be issued.

If you have delinquent taxes and fail to pay the current year’s taxes before the due date of the final installment, or if the tax buyer has petitioned the courts for a tax deed, the tax buyer who purchased your delinquent taxes can purchase the current year’s taxes and add the amount to your lien with an 12% interest penalty.

You have a period of 2 to 3 years to redeem your taxes before losing your property. Six months prior to the expiration date, deed proceedings can begin. Any costs incurred in the deed process will be added to your amount due.

A: I'm really sorry you're going through this difficult time. Losing your home and dealing with family matters can be overwhelming.

First, reach out to the Madison County tax office as soon as possible. Explain your situation and ask if there's any possibility for an extension or a payment plan given the circumstances. Sometimes, counties have provisions for hardship cases that might help delay the sale or provide more time to pay the owed taxes.

Additionally, consider consulting with a local attorney who can help you understand your rights and options. They can assist in addressing the issues with your uncle and ensure that any agreements your grandmother made are honored. Taking these steps promptly can increase your chances of finding a solution and protecting your home.

A: I'm really sorry to hear about the difficult situation you're facing. Losing a home is incredibly stressful, especially under these circumstances. It’s important to act quickly to explore your options.

In Illinois, there may be ways to request a postponement or appeal the sale of your property for unpaid taxes. You can contact the Madison County Treasurer's Office to explain your situation and ask about available extensions or reinstatement procedures. Make sure to gather any documentation that supports your case, such as the life insurance policy agreement and any communications with your uncle.

Additionally, reaching out to a local attorney who understands property and estate laws can provide you with guidance tailored to your specific case. They can help you navigate the legal processes and advocate on your behalf. Support from family members or a legal aid organization might also be beneficial during this challenging time.